Workers’ comp provides benefits to your employees for work-related injuries or illnesses. This includes medical care, wages from lost work time, rehab, disability benefits and survivor or death benefits.
Laws about workers’ comp vary by state. Ask your agent about the specific laws in your state.
When one of your employees gets hurt on the job or has a work-related illness, only workers’ comp will cover them. Health insurance won’t even consider the expenses, like your employees’ pay or medical deductibles.
Some workers’ comp policies may provide more coverage for the same price. Talk to your agent, or to us.
The laws vary by state, but full-time and part-time employees are covered by workers’ comp and in some states business owners, partners and officers may be covered too.
Coverage is available for workers injured while traveling on business outside of the state where they normally work.
It depends on the business you’re in, your workers’ comp track record and how that compares to other companies in the same business. And finally, it depends on how much you pay your people.
Ask your agent if your workers’ comp policy will reimburse you for certain expenses like loss of earnings if you get sued.
The best thing you can do for your employees - and for you - is to immediately report all on-the-job injuries or work-related illnesses. This will help them get the care they need and protect you in case their small cut with a few stitches turns into something much bigger down the road.
Thanks to Team-Work, The Hartford gets injured workers back on the job six days earlier than without this unique approach.
The purpose of an audit is to make sure you’re paying the right premium so that you don’t pay too much or too little. The result may even be a refund.
Safety programs, including ergonomically designed workstations, may lower your premiums.
Having workers’ comp may not be a choice. But who you get it from is. Ask questions, compare coverage and look at reputation. Your decision could make the difference in the life of your employees.
54% of the costs of claims are for medical expenses. Who you select to manage those claims is critical.